The Research On The Transformation Of P2P Net Loan Platform Fund Management Model In GQ Company

In this paper,P2 P net loan company GQ as a case,a series of problems the main research and analysis of GQ company's capital management mode,as well as regulatory policies clear layers of fund management model in GQ company,to explore the transformation methods and countermeasures.GQ company is a P2 P net loan industry in the top ten private enterprises,business model as a combination of online and offline business,not only has the huge line sales stores,online Internet operating platform and has a considerable amount,typical platform belongs to O2 O mode of operation of P2 P net loan industry.P2 P net loan platform fund management model is the core of the platform to operate the customer funds,but also the emergence of system vulnerabilities,corporate capital flow breaks,illegal use of customer funds and other risks of the root causes.P2P net loan funds platform management mode is divided into four categories: the pool of funds,funds managed for third parties,and third party depository bank,United Bank depository,each model represents a different fund management body,this paper make a detailed analysis on the different fund management body,including each kind of fund management mode business information flow,capital flow,customer customer system,capital account funds platform fee system,the third party payment responsibility fund management role,bank company,introduces GQ company funds management mode from the early capital pool mode transition to the third party funds managed mode,and then by the third party funds managed mode transformation to the bank to deposit a series of problems in the process of management mode,analyzes the problem of risk capital pool mode,the parties and the three party net loan platform funds managed mode Face funding constraints.P2P net loan platform supervision policy under the 12 month transition period,GQ,P2 P net loan platform funds management mode to depository model transformation from the existing third party custody mode to the bank directly,including the transformation of three aspects: one is the transformation of capital side,two is the transformation of the asset side,the three is the transformation the depository of funds.The funding side needs to shift away from the underlying loan amount by large institutions subject to compliance with regulatory small targets,the asset side need from investors,capital account opening account system landing etc.Accordingly,the depository of funds from GQ company ofthird party payment companies and bank escrow switch directly to meet the regulatory equipment,mechanism and conditions of the bank for financing real customer capital management,strengthen the cooperation between bank and line GQ,play the role of banks to control customer capital account,capital account,P2 P company's own income risk imprest account,to meet regulatory P2 P net loan industry regulation target,embrace regulatory policies the realization of GQ company funds management mode smooth transition and greatly improve the competitiveness of GQ company.